Scituate, MA · Cert 30424
FDIC · 5 branches
Q3 2015
Market Position · Boston-Cambridge-Newton, MA-NH · 2015 SOD (annual) · 0.1% share · #71 of 139 inst. · $0.2B of $328.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.28% | 0.42% | 0.39% | 0.40% | +21 bps | |
| Return on Equity | 2.19% | 3.31% | 5.11% | 4.77% | 4.88% | +269 bps | |
| Net Interest Margin | 2.62% | 2.61% | 2.78% | 2.76% | 2.77% | +14 bps | |
| Efficiency Ratio | 91.18% | 87.06% | 80.62% | 80.62% | 80.52% | -1,066 bps | |
| Non-Interest Burden | 2.40% | 2.26% | 2.19% | 2.18% | 2.18% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.15% | 6.02% | 9.45% | 8.04% | 5.01% | +386 bps | |
| Loan Growth (YoY) | 23.68% | 23.72% | 21.09% | 17.31% | 12.16% | -1,152 bps | |
| Deposit Growth (YoY) | -0.41% | 3.04% | 8.06% | 6.51% | 3.07% | +348 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.01% | 0.01% | 0.01% | -3 bps | |
| Allowance / Loans | 0.82% | 0.80% | 0.78% | 0.75% | 0.73% | -10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 8.18% | 8.14% | 8.17% | n/a | |
| Total Risk-Based Capital | 16.58% | 16.07% | 16.10% | 15.33% | 15.17% | -141 bps | |
| Equity / Assets | 8.28% | 8.26% | 8.16% | 8.20% | 8.24% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.13% | 88.58% | 87.71% | 91.04% | 93.73% | +760 bps | |
| Liquid Assets / Assets | 21.95% | 21.08% | 20.96% | 18.19% | 17.34% | -462 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |